You can get an Amex Blue Cash Everyday credit limit increase by making a request either online or over the phone at (800) 528-4800. Amex may also automatically increase your credit limit every 6 to 12 months if your account is in good standing. But that’s not guaranteed, so if you want an increase, it’s probably better to ask.
It is also worth noting that Amex Blue Cash Everyday cardholders become eligible for a credit line increase 60 days after opening an account. However, it’s best to wait and request an increase only after there are at least 6 months of consecutive on-time payments on the account.
Here’s how to get an Amex Blue Cash Everyday credit limit increase online:
Type in your requested credit limit and annual income.
Submit your request.
To request an Amex Blue Cash Everyday credit limit increase by phone, call (800) 528-4800 and follow the prompts to get connected to a customer service representative. You will need to provide the same information as for online requests.
It is also worth mentioning that American Express might carry out a hard or a soft credit inquiry when you request a credit limit increase, depending on the specifics of your case. Plus, if your limit increase request is accepted, you will need to wait 6 months to request another one. You’ll also need to wait 90 days after a denial before making a new request.
You can get an American Express credit limit increase by requesting one online or by calling either the number on the back of your card or (800) 528-4800. To request a credit limit increase online, follow these steps:
Log into your Amex account using your credentials.
For phone requests, you’ll be dealing with an automated system at first. But entering your account number and answering the prompts with “Increase credit limit” will get you transferred to a customer service representative who can walk you through the process.
Those are the basics, but there are a few more things you should know before asking for a higher limit.
Here’s how American Express credit limit increases work:
American Express decides your limit based on your credit reports and scores, your total debt and your payment history with Amex. Your income and the amount of credit you use also play a role.
You have a stronger chance of being approved for an increase if you’ve made at least your last five consecutive payments on time. Falling behind on your payments or going over your credit limit will most likely get you a denial.
It is not certain whether Amex will do a hard inquiry or not for credit line increase requests. That means asking for one might cause a temporary dip in your credit score.
There are anecdotal reports of applicants being denied because they asked Amex for a credit limit increase within 60 days of opening their account. That’s not surprising. Credit card companies generally won’t even consider you for a higher limit unless your account has been open for at least six months. Some people also report that the biggest increase you can get is three times your current limit. But that too is unsubstantiated.
There’s no guarantee you’ll get an American Express credit limit increase, but it doesn’t hurt to ask. So long as you don’t use a higher limit to overspend, asking for one can be an easy way to improve your credit score. After all, spending the same amount of money with a higher limit means a lower credit utilization ratio.
The Amex Blue Cash Everyday credit limit is based on American Express’s assessment of each application, so the card’s credit limit will be different for each applicant.
For the most part, Amex Blue Cash Everyday credit limits depend on each applicant’s overall credit standing. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.… read full answer
Keep in mind that you can ask to get a credit limit increase by calling the American Express customer service number you see on the back of your card. But it’s best not to do that more than once a year. American Express will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with American Express.
You can request a Blue Cash Preferred® Card from American Express credit limit increase online, through the American Express mobile app, or by calling customer service at 1-800-528-4800. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income American Express has on file. American Express will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
How To Get a Blue Cash Preferred Credit Limit Increase Online
Log in to your online account or the American Express mobile app.
Choose the Blue Cash Preferred card from the list of account options (if you have more than one American Express card).
Click “Account Services,” and then “Request Credit Limit Increase.”
Enter your 4-digit CID, total annual income and desired credit limit. Click “Continue.”
Confirm the information entered and click “Submit Request” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Blue Cash Preferred credit limit increase, the new limit is effective immediately.
Impact of a Blue Cash Preferred Credit Limit Increase on Your Credit Score
When you request a Blue Cash Preferred credit limit increase, American Express will conduct a soft pull of your credit report, which does not affect your credit score. However, some Blue Cash Preferred credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. American Express cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Blue Cash Preferred credit limit increase without even requesting one. The Blue Cash Preferred card may offer an automatic credit limit increase if American Express’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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